Marlo - Loans

The Loans module in Marlo allows users to manage and track both external loans and Marlo-issued vessel financing. It provides a centralized view of loan details, repayment schedules, due alerts, and vessel-level loan allocation. The module is built to support both operational and financial users in maintaining capital discipline and transparency.

Key Features

• Loan Creation

  Users can create a new loan record by entering:

  • Loan source (Marlo or external)

  • Loan type (CCF or DF for Marlo; Custom for external)

  • Lender information

  • Disbursement details

  • Interest structure (fixed or floating)

  • Tenure, repayment schedule, and documentation

    
    

• Loan Allocation

  
  

  Every loan in Marlo can be mapped to a vessel and a voyage, helping users evaluate the impact of financing at an operational level.
  
  

• Loan Types in Marlo

  
  

  • CCF (Cargo Contract Finance): Offered against secured cargo contracts to fund voyage execution.

  • DF (Demurrage Finance): Covers cashflow gaps created by delayed demurrage settlements.

    
    

• External Loan Management

  
  

  
  

  Users can also track loans obtained from other financial institutions outside Marlo. For these loans, Marlo supports:

  • Custom interest types and terms

  • External lender details

  • Uploaded documents (e.g., term sheets, repayment proof)

  • Visibility into repayment status and outstanding balance

    
    

• Repayment Tracking

  
  

  • Auto-generated schedule based on tenure

  • Manual status updates

  • Reminders for due repayments

  • History of paid and unpaid tranches

• Loan Dashboard

  A summary view of all active and completed loans, grouped by:

  • Source (Marlo or external)

  • Status (Active, Repaid, Overdue)

  • Allocation (vessel and voyage)

  • Outstanding balances

    
    

User Actions

• Create and assign loans

• Allocate loans to voyages or vessels

• Monitor repayment status

• Upload documentation

• Edit or terminate a loan

Ideal Users

• Finance Managers: Plan repayments, reduce cashflow impact

• Operations Managers: Understand voyage cost implications

• CXOs: Monitor leverage, evaluate credit facility usage